needed that becomes too big to fail. the bill doesn't give us the authority but it does give us the authority if we despair of these other methods that we believe the firm in size and complexity is dangerous we have both of the living will requirement but also the authority regulators collectively to break up firms. i don't know the answer to that question. that is the charge congress has been -- given the regulators and we take seriously that charge. we put in place some reasonable approaches, but i appreciate your historical perspective which says over the long run you have to take into account the political influence of these large institutions. >> in terms of the will of the institutions themselves, there is a division in american industry. some industries have adopted levels of self regulation, in depth, an acceptable behavior for instance nuclear power industry has developed impressive processes. best practice and enforcement, on the other hand. they had just seen one of the manifestations. the financial community or nuclear power industry or more like deepwater drilling.